By Kroner Niels
'Svenska Handelsbanken' takes a clean examine the monetary obstacle. It units out to reply to in particular what the errors have been that banks made and the way this would were refrained from. what's designated approximately this publication is an in depth description of a big financial institution that operates very another way from its friends and that has, hence, instructed good away from components that experience introduced many different banks into difficulty. this offers a couple of insights into how a extra resilient, post-credit crunch banking procedure may still appear like.
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Additional info for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking
In 2007 this had fallen to 69% while nearly one- “ third of the holdings were now When banks own assets that have absolutely nothing to do with their real business, more often than not it ends in tears. structured credit instruments and corporate bonds. e. ” when the buffer is needed, only treasuries tend to trade actively). Their apparent attraction is that they pay spreads that are higher, not lower, than bank’s own funding costs, allowing banks to turn a liquidity portfolio in their treasury operations from loss making to profit making.
The banks had to roll over large parts of the funding for their loan book every few months, which eventually forced the Irish government to guarantee bank debt to avoid a Northern Rock situation. On top of this maturity mismatch there was a duration mismatch. Mortgages were fixed or base rate linked, while funding was linked to LIBOR (London Interbank Offered Rate), so rising LIBOR spreads reduced mortgage margins significantly. These liquidity imbalances are by no means new. 13 The reason these banks cannot roll their funding has often to do with concerns about their solvency – but they get into trouble through liquidity issues regardless of whether these concerns are valid.
5 Which is a role eagerly accepted by bankers. ’ (London Stock Exchange, September 14th, 2007). 21 2 Bank-Specific Explanations P lenty of bank-specific explanations have been brought forth that avoid the difficulties of general explanations. They capture mistakes within banks that an inside observer would recognise. As they address specifically what went wrong in these institutions they lead quite easily to recommendations on how banking should be different in the future. The main problem for all specific explanations is that they apply only to a subset of institutions that have run into trouble.
A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking by Kroner Niels